Sarah Miller - GS Financial Services

Independent Financial Adviser  South Inch Business Centre, Perth, PH2 8BW
First meeting at adviser's own cost
An Independent Financial Adviser passionate about delivering simple, honest advice and helping clients to achieve their goals and objectives.
We can advise you on
Annuity purchase
Pension consolidation
Pension drawdown
Pensions & divorce
Pensions & retirement planning
Pensions review
Pensions transfer
Wealth management
Ethical investments
ISA / Unit Trusts / OEICs
Investing for income
Investment trusts
Offshore investments
Socially responsible investments
Traded endowment policies
Unit trusts
Lump sum
National savings
Regular savings
Savings for children
School fees planning
Critical illness
Income protection insurance
Life insurance
Capital gains tax
Estate planning
Income tax
Taxation planning
Corporate pension
Group Pension/Stakeholder
Group Protection/Life Insurance
Group critical illness
Group income protection
Group life insurance
Response rating
FCA authorised
Last authorised 13th September 2021
Meet our advisers
Sarah Miller
Independent Financial Adviser

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification assess a knowledge and understanding of the Financial Services environment, UK Financial Services and Regulation, the principles of investment, investment products, financial protection, retirement planning and investment advice knowledge.

What our clients say
Organising retirement income from several pensions was something I couldn’t handle. Sarah helped by explaining each option available to me before we decided which was best. All pensions and moneys have been amalgamated into one place. I’m happy with all advice and help given by Sarah.
Susan, Fife
We wanted to try and get best returns for money which has to last through our golden years. Sarah looked at all our investments pensions, savings and gave a comprehensive overview of how to make our money work better for us.
Joanne, Perth
We needed to transfer pension fund due to redundancy and wanting to invest in further savings schemes. Sarah gave excellent advise and explanations of all our options.
Keith, Edinburgh
I set- up my own business and Sarah helped by finding the best income protection for me. Sarah checked the market and highlighted the best and most suitable policy for my requirements. I don’t feel Sarah could have done any better. She saw to my needs in a very efficient and professional manner. Her communication was always very prompt, clear and concise which was very helpful as I had no previous experience with this type of policy. I would highly recommend Sarah to others!
Craig, Perth
We had a lump sum that we to invest and we wanted advice on how to best manage our finances. Sarah worked with us to establish our financial situation and advised us on income protection insurance (we run a business), investment options and pension options. She presented a clear report of her analysis and findings that she took the time to explain in detail, the potential risks and rewards associated with different potential options. Once we had decided on a course of action Sarah arranged everything on our behalf, making the process as easy as possible. Our money is invested and we have pension portfolios organised. We are confident that we have been well advised, and we understand the risks and potential rewards. We look forward to working with Sarah on an ongoing basis to help manage our investments into the future.
Robbie, Fife
Updating our insurance and Sarah managed to get our insurance very professionally & efficiently.
Karen, Perth
Remortgaging and I need a new insurance and was struggling to find the right things myself and the wrong people that just wanted to sell to me. Sarah was very helpful and did a fantastic job. I found my insurance was inadequate and need a new one. Sarah was extremely helpful in finding me the right one for me.
Simone, Perth
Very knowledgeable and good advice given on meeting
Irene, Perth
Sarah has been outstanding, turning all my garbled thoughts into a well thought out and coherent plan! I have an outcome that feels right for my needs, and I know that if anything changes I'll be able to contact Sarah and she will make changes as needed. I completely trust that she has provided me with the best possible solution. The process was collaborative and I have felt fully informed and communicated with throughout.
Theresa, Fife
Having received a compensation payment following an accident, I needed help managing my money and making sure it would grow, to take care of me now and in the future. I had very limited financial knowledge, and felt very lost before I reached out to Sarah. Sarah came to see me and talked through all of the things big and small that I needed and wanted my money to do for me. She helped me understand my options in terms of investments and pensions, and other ways of managing my money. She has put me in a position to feel that I am in control, without having to do any of the confusing and frustrating work or research myself! I have had a great experience and Sarah has made everything I needed a reality. She has taken a lot of worry away from me, and made it so that I can get on with my life knowing my money is safe, and working for m
Eleanor, Stirling
Update and review of our finances and changed circumstances re retirement. She advised us on the best ways that we could get a return on our money for our circumstances. She listened, advised and suggested but never pressured. Very friendly, patient and professional.
Linda, Dundee
I was looking to consolidate two pensions into one and to plan for retirement. Sarah did an excellent job of investigating which investment funds might align best with my aspirations, along with checking the administration costs associated with each. From my point of view, Sarah's approach is ideal. She is open, friendly and professional in person and the level of research that she undertakes is impressive. ​
John, Fife
About us

I am friendly, approachable and professional and you can be confident that your best interests are at the heart of everything I do.

We will work together to really understand your goals and make them a reality, whilst helping you navigate potentially complex financial situations in a clear and simple way.

Give me a call or send me a message and we can discuss how I may be able to help you.

Our main office is in Perth which you are welcome to attend however, I work from home in Dalgety Bay. I am happy to meet you at your home or over Zoom or Teams meetings if that suits you better.

Our services

I can advise on all areas of Financial Planning with my aim always being to protect and grow your wealth.

Specifically, my services include:

Retirement Planning:

I will help you to understand your options at retirement, whether you are saving enough to achieve the lifestyle you hope for and whether your pension is in the right place for you.

No matter how simple or complex your needs are, I would be delighted to help.

Protecting Your Family and Assets:

We will work together to ensure the right foundations are in place to protect you so that, if the worst should happen, you or your family do not have to give up on your dreams or goals.

Investment Advice:

Perhaps you have a lump sum and are unsure what to do with it, or maybe you are saving for something important or special. You may even have an investment that has not been reviewed in some time or have concerns about the ethics of your current investments. Whatever you're concern or aims, I can assist.

Where to find us
Head office address: South Inch Business Centre, Shore Road, Perth, PH2 8BW
Service coverage
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Advice methods
  • phoneButton
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    Online (Live chat, video, email)
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    Face to face

We do not advise on final salary schemes directly, however, we can arrange an introduction to one of the trusted pension transfer specialists on our panel.

Response rating
FCA authorised
Last authorised 13th September 2021

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